Great point. Here are two even better charts relevant to the subject: [Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks]/GDP https

Great point. Here are two even better charts relevant to the subject: [Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks]/GDP https://fred.stlouisfed.org/graph/?g=17Hsu https://fred.stlouisfed.org/graph/?g=17Hsu [Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks]/ ([Total Households] * [Real Median Household Income in the United States]) https://fred.stlouisfed.org/graph/?g=17Hsf https://fred.stlouisfed.org/graph/?g=17Hsf (units adjusted) Consumer loans jumped after financial crisis and peaked 2018.